Sec. 1. Short title; table of contents
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This Act may be cited as the or the Main Street Capital Access Act Main Street Act . The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. Title I—New Bank Formation and Local Community Access Sec. 101. Promoting New Bank Formation. Sec. 102. New Bank Application Numbers Knowledge. Sec. 103. Bank Failure Prevention. Sec. 104. Rural Depositories Revitalization Study. Title II—Tailoring Bank Regulation Sec. 201. Taking Account of Institutions with Low Operation Risk.
Sec. 202. Small Bank Holding Company Relief. Sec. 203. Community Bank Leverage Improvement and Flexibility for Transparency. Sec. 204. Tailoring and Indexing Enhanced Regulations. Title III—Fair and Transparent Bank Supervision Sec. 301. Halting Uncertain Methods and Practices in Supervision. Sec. 302. Fair Audits and Inspections for Regulators’ Exams. Sec. 303. Supervisory Modifications for Appropriate Risk-based Testing. Sec. 304. Tailored Regulatory Updates for Supervisory Testing.
Sec. 305. Stress Testing Accountability and Transparency. Sec. 306. Community Bank Representation. Sec. 307. Financial Integrity and Regulation Management. Title IV—Regulatory Accountability and Transparency Sec. 401. FDIC Board Accountability. Sec. 402. Stop Agency Fiat Enforcement of Guidance. Sec. 403. Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow. Sec. 404. American Financial Institution Regulatory Sovereignty and Transparency. Title V—Strengthening Local Bank Funding Sec. 501.
Bringing the Discount Window into the 21st Century. Sec. 502. Keeping Deposits Local. Sec. 503. Community Bank Deposit Access. Title VI—Promoting Bank Competition and Merger Clarity Sec. 601. Bank Competition Modernization. Sec. 602. Merger Agreement Approvals Clarity and Predictability. Sec. 603. Merger Process Review. Title VII—Strengthening Transparency and Involvement in Bank Resolutions Sec. 701. Least Cost Exception. Sec. 702. Enhancing Bank Resolution Participation. Title VIII—Facilitating Innovation and Bank Partnerships Sec. 801.
Merchant Banking Modernization. Sec. 802. Bank-Fintech Partnership Enhancement.